Accidental Death:Expenses covered for loss of life due to an Accident. Fractures / Dislocation / Burns: A percentage of Insured Sum is paidfor a specific injury (must occur within 90 Days from date of the Accident). Hospital Indemnity Accident Only:Daily Expenses against hospitalisation is borne subject to a maximum of 365 days. Unable to do activities in daily living: Under cases where the Insured loses capability to perform 3 or more daily functions (Injury happening within 365 Days from the date of the Accident) for a continuous period of 180 Days the Principal Sum is paid. Above 71 years of age benefits reduce by 50%.